Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$62,815Cash toward the purchase price.
Closing costs + prepaids$17,401Not just lender fees.
Before credits & paid funds$80,216The complete starting cash picture.
Estimated remaining funds due at closing
$80,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,815.31
Your down payment$62,815.31
Closing costs + prepaids$17,401.03
Total buyer cash needed$80,216.34
Remaining funds due$80,216.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,360.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,400.25
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$2,521.85
Fees + prepaids$17,401.03
Your down payment is the seller’s equity. You take over the $472,185 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $80,216.34 is due at closing. Uses and sources reconcile at $552,401.03 each. Not a Closing Disclosure.